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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,766 | $101,778-45.2% | $164,975-66.2% | $80,925-31.1% |
| Participation rate | 58.7% | 71.8%-13.2pp | 78.6%-19.9pp | 67.7%-9.0pp |
| Annual return | 7.60% | 16.73%-9.1pp | 70.12%-62.5pp | 35.65%-28.0pp |
| Employer contribution / active EE | $1,278 | $2,954-56.7% | $4,343-70.6% | $2,756-53.6% |
| Participant deferral / active EE | $2,415 | $4,477-46.0% | $6,033-60.0% | $4,299-43.8% |
| Admin fee / account holder | $2,479 | $8,221-69.8% | $12,688-80.5% | $6,940-64.3% |